car insurance discounts

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What our customers say

After receiving renewal information from my current auto insurance carrier, I wanted to make sure I was paying the lowest price possible. I immediately checked quotes on Esurance and was pleased to learn they could offer me a quote several hundred dollars cheaper. I applied, called an agent, and was already printing out my new insurance card within 20 minutes."

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Esurance offers a wide range of discounts on car insurance to help drivers save extra on their policy. Here's the lowdown on auto insurance discounts that can be personalized to you when you get a quote from Esurance, including how to qualify, where they're available, and what you could expect to save.

policy discounts on car insurance

We're committed to making it as easy as possible for you to save some cash on your car insurance. That's why these discounts don't require much on your part. Earn savings for having more than one policy with us or even by switching to Esurance from another company. Plus, simply starting a quote online could automatically win you a discount right off the bat. Get your quick, free quote today and find out how much you could be saving on car insurance.

How you get it: By being an Esurance customer and owning a house or condo (or having a spouse who owns one). Generally, you can prove your ownership through property tax records, a mortgage coupon, or a homeowners insurance declaration page.

Mobile homes do not qualify you for this discount — except in Washington, where the mobile home must be the customer's primary residence and less than 10 years old.

How much you could save: Savings vary between drivers and between states.

How you get it: If you're an Esurance policyholder and rent a home, condo, or apartment, call us at 1-800-ESURANCE (1-800-378-7262) to add Esurance renters coverage to your existing auto policy. If you're a new customer, simply include it when you get your car insurance quote.

Not only will you enjoy extra savings on your car insurance, you'll also reap the benefits of renters coverage, such as coverage for your stuff and liability protection if guests are injured in your home.

Renters coverage even works while you're away, and can kick in when your car insurance doesn't — for instance, if you need to replace a watch or laptop that was stolen from your ride.

How much you could save: Thirty percent of your renters coverage premium is deducted from your car insurance rate. Savings apply for as long as you have renters coverage.

How you get it: By buying emergency road assistance from a provider other than Esurance (such as AAA or the National Automobile Club). If you live in California, check with us before choosing an ERA service, as only approved groups qualify you for the discount.

How you get it: This one makes it even easier to click "purchase" for Illinois, Utah, and Virginia drivers. Nab this money-saver simply for starting your Esurance quote on our site.

How much you could save:The amount varies depending on several factors.

driver discounts on car insurance

Your driving record is a major factor in determining what you pay for car insurance. For that reason, creating a track record of smart, cautious driving is the best way to get lower car insurance rates and extra discounts on your policy. These auto insurance discounts are designed to reward our best drivers.

DriveSense® discount

How you get it: Select this discount during your online quote. After you purchase your policy, download the DriveSense mobile app, log in, and start driving to start saving. The app automatically records driving info like your speed, hard braking events, and more.

How much you could save: You'll automatically save 5 percent, just for signing up. Plus, after your first policy term, you could earn a personalized discount based on your driving habits — so the safer you drive, the more you stand to save. Learn more about the DriveSense program.

How you get it: Sometimes called a Mature Driver, Driver Improvement, or Accident Prevention Course discount, this perk usually applies to older drivers (age 50, 55, or 60 and older, depending on where you live) who have completed a defensive driving or driver improvement class approved by their state's DMV.

The discount won't apply if you're taking the course as part of a court order. It can also be canceled in many states if, after receiving it, you have an at-fault accident or major moving violation.

In 4 states — New York, New Jersey, Georgia, and Oklahoma — the discount is not age-based and is available to all drivers. And in South Carolina, the age requirement is 25.

How much you could save: Up to 10 percent off certain coverages, which vary by state. In many states, the discount is good for 3 years after you complete your driver safety course.

How you get it: By being a full-time high school, college, or university student under 25 years old with at least a 3.0 GPA (or a "B" average, if your scale is different). At Esurance, we believe when your mind stays sharp, your driving skills tend to follow. You're typically eligible for the discount while enrolled as a student and up to one year afterward.

How much you could save: Up to 10 percent on liability, collision, and medical payments coverages. Other discounted coverages vary by state.

vehicle discounts on car insurance

All drivers try their very hardest (we hope) to stay safe and accident-free. But it helps to have a little backup — and that's where choosing an insurance-friendly car or truck comes into play.

We love safe vehicles because they help our customers stay out of harm's way, whether it's by avoiding car accidents, protecting passengers when accidents do happen, preventing breakdowns, or deterring thieves. And when your insurer loves something this much, you tend to get auto discounts and savings for it.

Multi-Car discount

How you get it: Safety isn't a factor with this one. All you need to do is insure more than one car on the same Esurance car insurance policy.

How much you could save: The amount varies from policyholder to policyholder.

How you get it: By insuring a car or truck that has an approved theft deterrent. In some states, this could be as simple as a car alarm (active or passive), while in others it means a vehicle recovery system such as LoJack®, OnStar®, or Teletrac®. Check with us to see what the requirements are where you live and which anti-theft systems are accepted.

How much you could save: Between 5 and 25 percent off your comprehensive coverage, depending on what kind of anti-theft devices your car has and where you live.

How you get it: Typically, by insuring a car or truck that has manufacturer-installed airbags or automatic seat belts.

How much you could save: Between 2 and 33 percent on medical payments coverage and/or personal injury protection, depending on your state and the quality and number of safety devices. The more safety features, the merrier: Cars with side airbags and dual front airbags often get more savings than those with dual airbags alone.

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What our customers say

After receiving renewal information from my current auto insurance carrier, I wanted to make sure I was paying the lowest price possible. I immediately checked quotes on Esurance and was pleased to learn they could offer me a quote several hundred dollars cheaper. I applied, called an agent, and was already printing out my new insurance card within 20 minutes."

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Discounts subject to eligibility. Coverages may vary between and are not available in all states. Terms, conditions, and exclusions may apply.

*The Pac-12 discount (also known as the Education discount in some states) is applied to individuals who have attained certain educational levels irrespective of school conference membership. Discount not available in some states, including Washington and California. Reduced rates for Pac-12 students and alumni are available in California.